How to cancel Ningbo credit card

Recently, some card friends asked about the method of canceling credit cards in Bank of Ningbo, so here we will introduce the process of canceling credit cards in Bank of Ningbo and the matters needing attention.

You can call the customer service hotline of Bank of Ningbo Credit Card to apply for cancellation of Bank of Ningbo Credit Card. The card is sold, and the account is required to have outstanding debts. In addition, for the sake of account security, the credit card must be carried with you when selling the card by phone. If your credit card has been lost, please cancel it at the bank counter.

What should I pay attention to when canceling my credit card in Bank of Ningbo?

First, you must cancel the card first.

There is a difference between canceling a card and canceling an account. When processing a credit card, the bank will set up a bank account for the cardholder. Credit card is only a form of account, and the information still exists after the customer returns the card. If you just return your card, you won't be able to enjoy the treatment and preferential treatment of new customers the next time you apply for the same credit card. Cancelling your card can avoid this problem.

Second, guarantee to pay off the arrears.

Before closing the account, you must ask the bank if there is any debt on your card. Some expenses are finally deducted by the bank and will not be shown on the bill, such as cash withdrawal interest and SMS notification fee. If the card is returned without paying off the debt, there will be a bad record of overdue repayment.

Three. The card cancellation period is 45 days.

After you apply for card refund, it will take some time to successfully return the card. Now, in order to avoid the above problems, many banks have a 45-day card withdrawal cycle, which means that you can settle all the debts of this card within these 45 days.

4. Pay attention to the annual fee when canceling the card.

Most banks have a policy that annual fees are exempted if they brush enough times a year. For example, some banks are exempt from annual fees if they brush enough times a year. If you cancel your card after swiping it only five times, the annual fee cannot be waived. If you can't remember the credit blacklist, you have to pay the annual fee before you can return the card, otherwise you will leave a bad record.